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Their support helped gain passage in 1977 of the Community Reinvestment Act.

After Dukakis was elected, his new Banking Commissioner ordered banks to disclose mortgage-lending patterns by zip code. NPA and its affiliates achieved disclosure of lending practices with the passage of The Home Mortgage Disclosure Act of 1975.Although informal discrimination and segregation had existed in the United States, the specific practice called "redlining" began with the National Housing Act of 1934, which established the Federal Housing Administration (FHA).Racial segregation and discrimination against minorities and minority communities pre-existed this policy.In Massachusetts, organizers allied with NPA confronted a unique situation.Over 90% of home mortgages were held by state-chartered savings banks.The use of blacklists is a related mechanism also used by redliners to keep track of groups, areas, and people that the discriminating party feels should be denied business or aid or other transactions.

In the academic literature, redlining falls under the broader category of credit rationing.

With the help of NPA, a coalition of loosely affiliated community organizations began to form.

At the Third Annual Housing Conference held in Chicago in 1974, eight hundred delegates representing 25 states and 35 cities attended.

But, recent research has indicated that the HOLC did not redline in its own lending activities and that the racist language reflected the bias of the private sector and experts hired to conduct the appraisals. Private organizations created maps designed to meet the requirements of the Federal Housing Administration's underwriting manual.

Some redlined maps were also created by private organizations, such as J. The lenders had to consider FHA standards if they wanted to receive FHA insurance for their loans.

"Type D" neighborhoods were outlined in red and were considered the most risky for mortgage support.

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